joya Terms and Conditions

joya is an online entertainment platform offering casino games, sports betting, live casino, and other gaming services. By accessing or using this platform, you acknowledge that these Terms form a binding agreement between you and joya.

joya reserves the right to amend or update these Terms at any time. Continued use of the platform after any changes means you have accepted the revised Terms. You are therefore advised to visit this page regularly.

For matters not explicitly covered in these Terms, our Privacy Policy and other relevant policies will apply.

2.1 Age Requirement

You must be at least 21 years old to create an account and use services at joya. Access by minors is strictly prohibited. joya may request relevant documents to verify age at any time.

2.2 Single Account Policy

Each person may open only one account. If the same person opens multiple accounts, joya reserves the right to close those accounts and forfeit any funds held in them. If multiple members of the same household wish to use separate accounts from the same device or network, joya support must be informed in advance.

2.3 Accurate Information

You must provide true, complete, and up-to-date information at the time of registration. Providing false or misleading information may result in immediate account termination. If your information changes, update your account settings promptly or notify the support team.

2.4 Account Security

It is your responsibility to keep your username and password completely confidential. Giving any third party access to your account or transferring your account is prohibited. If you become aware of any unauthorised access, notify the joya support team immediately.

3.1 Deposit Terms

The minimum deposit amount at joya is ৳300. Currently accepted payment methods are: bKash, Nagad, Rocket, Upay, and bank transfer (Dutch-Bangla Bank, BRAC Bank, Islami Bank, and other major commercial banks). Deposits must be sent only from an account or mobile banking number registered in your own name.

3.2 Withdrawal Terms

The minimum withdrawal amount from joya is ৳500. Withdrawal requests are generally processed within 1 hour. However, this may take longer during identity verification or security checks. Withdrawal methods are the same: bKash, Nagad, Rocket, Upay, or bank transfer.

3.3 Funds Verification

Before any withdrawal request, joya reserves the right to verify your identity and payment details. Failure to provide the required documents may result in the withdrawal being suspended or cancelled. For any unusual transactions, joya may hold funds until an investigation is complete.

3.4 Anti-Money Laundering

joya is committed to preventing money laundering and illegal financial activity. joya reserves the right to report suspicious transactions to the relevant authorities and to suspend accounts. Using the platform for any purpose other than gaming or betting is strictly prohibited.

4.1 Welcome Bonus

joya offers new members a 100% bonus on their first deposit, up to ৳8,000. For example: a deposit of ৳1,000 earns a ৳1,000 bonus, bringing the balance to ৳2,000. The wagering requirement for this bonus is 25 times the bonus amount — meaning ৳1,000 bonus requires a total of ৳25,000 in bets before the bonus funds become withdrawable.

4.2 Other Promotions

joya regularly offers various promotions, such as a Weekly Deposit Festival (50% bonus, up to ৳5,000; 20x wagering), a Slots Fun Bonus (30% bonus, up to ৳3,000; 25x wagering), and a Cricket Craze Bonus (40% bonus, up to ৳4,000; 20x wagering). Each promotion has specific terms detailed on the promotions page.

4.3 General Bonus Terms

Bonuses are never direct cash; the specified wagering requirements must be met before withdrawal. A new bonus cannot be claimed while another bonus is active. joya reserves the right to modify, suspend, or cancel any bonus offer. In cases of bonus abuse or fraudulent activity, the bonus and any associated winnings may be cancelled.

4.4 VIP Program

joya's VIP program has three tiers — Bronze, Silver, and Gold. Members can advance to higher tiers based on regular play. The Bronze tier offers up to 0.5% weekly cashback, Silver offers 1.0%, and Gold offers 1.5%. Cashback is calculated on net losses for the week.

5.1 General Betting Rules

Before placing a bet at joya, ensure your account has sufficient funds. Once a bet is confirmed, it cannot be cancelled. If a bet is not recorded due to a technical error, it will be considered void and no payout will be made.

5.2 Sports Betting

In sports betting, the odds displayed by joya are final. If a match is cancelled or abandoned, the stake for that bet will be refunded, unless the rules for that specific sport state otherwise. Live betting odds may change at any time.

5.3 Casino Games

All casino games are operated by software from registered game providers. Game outcomes are determined through certified Random Number Generator (RNG) technology. If a connection is lost during a game, the result will be determined from the game history.

5.4 Cheating and Fraud

Any form of cheating, use of bots, software exploitation, or attempting to gain an unfair advantage is strictly prohibited. If such activity is detected, the account concerned will be immediately closed and all funds forfeited.

5.5 Restrictions

joya reserves the right to restrict users' access to certain markets or games. Individual betting or deposit limits may be set in specific cases. There is also the option to set your own limits in line with our Responsible Gaming Policy.

Participating in any of the following activities may result in account termination and forfeiture of deposited funds:

• Registering an account using a false identity or fake information
• Abusing bonuses by creating multiple accounts
• Accessing or controlling another person's account
• Placing bets using automated software, bots, or scripts
• Exploiting technical errors or vulnerabilities in the platform
• Fraudulent arrangements or collusive betting with other users
• Submitting forged documents or verification information
• Using the platform to launder money from illegal sources
• Selling or transferring an account to a third party without joya's approval
• Any activity that may damage the reputation of the platform

Beyond the activities listed above, joya may investigate or take action against any account for reasonable cause.

joya is committed to protecting users' personal data. Full details of how your information is collected, stored, and used are provided in our Privacy Policy.

7.1 Use of Information

The information you provide is used for account management, identity verification, payment processing, customer service, and compliance with applicable laws. Our privacy policy applies to any sharing of information with third parties.

7.2 Cookies and Tracking

Cookies and similar technologies are used on the joya platform to improve your experience. Continued use of the platform will be taken as your consent to the use of these technologies.

7.3 Security

joya uses modern security technologies including SSL encryption to protect your data and funds. However, as complete security on the internet cannot be guaranteed, users are also advised to take care to keep their own accounts secure.

joya believes that gaming is a form of entertainment and should never be a cause of financial difficulty. For this reason, we give responsible gaming the highest priority. Read our detailed Responsible Gaming Policy to keep yourself protected.

8.1 Self-Restrictions

Users can set their own daily, weekly, or monthly deposit and betting limits. A temporary break or permanent self-exclusion option is also available if needed. Contact the joya support team to use these features.

8.2 Protection of Minors

It is the responsibility of both parents and users to prevent anyone under 21 from gaining access. joya strictly prohibits minors from accessing the platform, and any account found to be in breach of this will be closed.

All content on the joya platform — logos, designs, text, graphics, software, and other materials — is protected under the intellectual property rights of joya or relevant third parties. Reproducing, distributing, or using this content for commercial purposes without prior written permission from joya is prohibited.

Users are granted limited access to the platform's content for personal use only. This permission is non-transferable and may be revoked at any time.

10.1 Service Availability

joya makes every effort to ensure uninterrupted service availability, but the service may be temporarily unavailable due to maintenance, technical issues, or unforeseen circumstances. joya is not liable for any loss resulting from such interruptions.

10.2 Limitation of Damages

In no circumstances will joya's total liability exceed the amount of your disputed transaction. joya does not accept liability for any indirect, incidental, or consequential loss.

10.3 Third-Party Services

joya works with various third-party game providers and payment processors. joya is not directly liable for any issues with these third-party services, but will endeavour to assist in resolving them.

11.1 Termination by the User

You may close your account at any time by contacting the joya support team. Before closing, all outstanding bonus requirements must be met and any eligible balance must be withdrawn.

11.2 Termination by joya

joya may suspend or close an account at any time without notice due to a breach of Terms, fraudulent activity, or security concerns. In such cases, joya's decision regarding any forfeited funds is final.

11.3 Post-Termination Obligations

Even after an account is closed, the clauses relating to limitation of liability, intellectual property, and dispute resolution remain in effect.

12.1 Submitting a Complaint

If you have a complaint, first contact joya through 24/7 live chat or email support. The support team provides service in both Bengali and English. After a complaint is submitted, joya will respond within a reasonable time.

12.2 Resolving Disputes

Any dispute arising between joya and a user will first be addressed through discussion. If a resolution cannot be reached through discussion, both parties may refer the matter to a mutually agreed mediator. For answers to common questions, you can visit our FAQ page.

12.3 Disputes Regarding Game Outcomes

In case of any dispute regarding the outcome of a game, the game server log records will be considered the final evidence. If a technical error causes an incorrect result to be displayed, joya reserves the right to correct it in accordance with the server records.

13.1 Entire Agreement

These terms and conditions together with our privacy policy constitute the entire agreement between joya and the user. Any prior oral or written understandings are replaced by these terms and conditions.

13.2 Severability

If any clause of these terms and conditions is found to be invalid or unenforceable, the remaining clauses will remain fully in effect.

13.3 Waiver

If joya does not exercise its rights in a particular instance, that will not be considered a waiver of those rights in any future instance.

13.4 Language of Communication

These terms and conditions have been prepared in Bengali. The Bengali version will take precedence over any translation or version in another language.

Last revised: January 2025. This version applies in place of any previous version.